Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. #1
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    Question Mindaugas VS Natwest. 2nd Case. **WON**

    Hi there,

    I have already won the case last year. But unfortunately I had forgotton to cancel one direct debiticon. So, as a rule, they charged me for not having sufficient funds to cover direct debit.

    And here we go, they charged me later , than once again. (in total 100 pounds) I am realy furious. I sent my Prelimenary letter on March 14, 2007 - no reply (as far as I live in Lithuania since 2006).

    So I am sending lbaicon tomorrow.

    But I want to make sure and find one thread or advise (I have seen last year :-| ) to insure that ALL THE EXPENSES incurred due to the process are reimbursed by Natwesticon after the hearing.

    Does anyone remember a person he was charged 100, but claimed 500 ? and won!!!

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  2. #2
    NATTIE
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    Default Re: Mindaugas VS Natwest. 2nd Case.

    I would check with the bank because things have moved on since last year and claims are being settled before court. You may find that the claim has been validated and a letter will be on its way to you


  3. #3
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    Question Re: Mindaugas VS Natwest. 2nd Case.

    Quote Originally Posted by NATTIE View Post
    I would check with the bank because things have moved on since last year and claims are being settled before court. You may find that the claim has been validated and a letter will be on its way to you
    Thank you for your advise Nattie, but if you say that my claim could have been validated, I would have already received the money into my account by now. I do check my account online every other day and the account is without money. So I will anyway send them lbaicon tomorrow.

    when you say 'claims are being settled before court' you mean everything finishes before going into court procedures?


  4. #4
    NATTIE
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    Default Re: Mindaugas VS Natwest. 2nd Case.

    not correct. This is merely the term used. This is Customer Relations Unit putting a note on the account stating that they will be sending out an offer albeit outside of the 14 day timescale and usually the full amount, however it has been known for it to take as long as a piece of string.


  5. #5
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    Default Re: Mindaugas VS Natwest. 2nd Case.

    So 'a piece of string' meaning for very long or short period of time?


  6. #6
    NATTIE
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    Default Re: Mindaugas VS Natwest. 2nd Case.

    Well, technically you should receive something within 21 days or a decision being made but not everyone seems to get the response on time. So after lbaicon and towards end of the period you have specified, give Natwesticon a call, not just customer relations and see if a note exists on your account as to the amount of the offer coming your way. However remember IF the bank fails to follow timescale sue em or sue em anyway within your own timescale.


  7. #7
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    Default Re: Mindaugas VS Natwest. 2nd Case.

    Dear Nattie,

    I did not receive nor response neither my dough.

    I am ready to get the show on the road and sue NW.

    Though I live in Lithuania now, I still will do it, but I will need your guys help and assistance.

    Remind me of the address to fill in and later to send by post (to be attached to the claim) the CLAIM TO THE county courticon or do you advise me to do it thru friend in UK?

    Thanx

    Gus


  8. #8
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    Default Re: Mindaugas VS Natwest. 2nd Case.

    I dont think you'll be able to do it through a friend because the bank can only directly with you. I may be wrong. But I'm sure that is the case.


  9. #9
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    Default Re: Mindaugas VS Natwest. 2nd Case.

    I am about to fill in MCOL. I have got everything sorted out , just to fill in the payment details.

    I will eventually finish MCOL on Monday.

    So I will let you know about the outcome, and after it I will send the court a letter requesting for a refund of time and patience wasted

    Because that is the second case to be won and want to give NW a real lesson and ask for 1000 pounds compensation for damn nerves


  10. #10
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    Default Re: Mindaugas VS Natwest. 2nd Case.

    quick update.

    The MCOL just went through. I ve got the reference no and will be waiting for the verdict.


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    Default Re: Mindaugas VS Natwest. 2nd Case.

    Good luck mindaugas........... time to play the waiting game now!! But don't worry - you'll win in the end!! Hedgey xxx


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    Default Re: Mindaugas VS Natwest. 2nd Case.

    One week ago I received a settlement offer from RBSicon lawer trainee anne smth.

    They offered full claim 150 pounds -which I accepted. They asked in the letter to keep everything in secret - dream on baby - I am going to file a claim now for the time waisted!

    Because this is the second time I had to pull the bull on its horns

    So I am gonna claim for 500 puonds - do you think its reasonable?


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    Default Re: Mindaugas VS Natwest. 2nd Case. **WON**

    Thread moved to success forum.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.


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